Rain’s mission is to empower millions of people to achieve financial wellness by giving them access to their pay early—so they can live more comfortably. Startling statistics show that nearly half of Americans have $500 or less in savings. Many are living paycheck to paycheck and can’t afford unexpected expenses. For employers, this can mean that employees may struggle to show up to work because they can't afford gas for their car. It could also mean that due to financial stress, employees are distracted and less engaged at work. More than 2 million users already benefit from our platform, reducing their reliance on payday loans and alleviating financial stress from overdraft charges and late fees. This creates a happier, more focused, and committed workforce, which in turn helps employers experience reduced turnover, increased productivity, and a surge in job applicants. Rain champions a responsible approach to EWA, offering the simplest and safest experience in the market. We provide all the tools and controls for employer partners to foster a responsible usage of EWA and live by our mission. Our transparent practices ensure that employees have clear, upfront information about accessing their earned wages. This responsibility extends to protecting personal data, as we only collect the limited amount necessary to power the platform and require the least amount of data in the market. Rain integrates seamlessly with existing payroll systems, ensuring minimal disruption and allowing employers to maintain full control over payroll and data. Our unmatched client support includes comprehensive training and ongoing tailored assistance, ensuring a smooth EWA journey. Plus, our US-based user care team is available 24/7 to answer employee requests with an average response time of under 1 minute in all channels (in-app chat, text, email, and phone).